Marqeta Inc (MQ)vsMicrosoft Corporation (MSFT)
MQ
Marqeta Inc
$4.19
+0.48%
TECHNOLOGY · Cap: $1.84B
MSFT
Microsoft Corporation
$371.04
-0.46%
TECHNOLOGY · Cap: $2.85T
Smart Verdict
WallStSmart Research — data-driven comparison
Microsoft Corporation generates 48782% more annual revenue ($305.45B vs $624.88M). MSFT leads profitability with a 39.0% profit margin vs -2.2%. MSFT appears more attractively valued with a PEG of 1.25. MSFT earns a higher WallStSmart Score of 74/100 (B).
MQ
Hold42
out of 100
Grade: D
MSFT
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for MQ.
Margin of Safety
+50.1%
Fair Value
$747.40
Current Price
$371.04
$376.36 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 26.7% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 47.1%
Earnings expanding 59.8% YoY
16.7% revenue growth
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -1.5% — below average capital efficiency
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : MQ
The strongest argument for MQ centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 26.7% demonstrates continued momentum.
Bull Case : MSFT
The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.0% and operating margin at 47.1%. Revenue growth of 16.7% demonstrates continued momentum.
Bear Case : MQ
The primary concerns for MQ are EPS Growth, Market Cap, Piotroski F-Score.
Bear Case : MSFT
No major red flags identified for MSFT, but monitor valuation.
Key Dynamics to Monitor
MQ carries more volatility with a beta of 1.48 — expect wider price swings.
MQ is growing revenue faster at 26.7% — sustainability is the question.
MSFT generates stronger free cash flow (5.9B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MSFT scores higher overall (74/100 vs 42/100), backed by strong 39.0% margins and 16.7% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Marqeta Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Marqeta, Inc. operates a cloud-based open application programming interface platform that provides transaction processing and card issuance services to developers, technical product managers, and visionary entrepreneurs. The company is headquartered in Oakland, California.
Microsoft Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.
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